The speculative nature of cryptocurrencies personifies the concept “something is honest sport” when it comes to valuation. These analyses can thread a skinny line between being respectable or ridiculed. In 2018-2019, tossing the concept of a $100,000 Bitcoin price was thought of so absurd that famend economists took offense and condemned the mere ideas of such statements.
Bitcoin (BTC) actually received the final snicker in that case, and in 2025, the identical optimism is flowing inside one other ferociously loyal neighborhood, the XRP (XRP) military.
After President Trump’s election victory, XRP price reached new highs, re-testing its all-time excessive of $3.41. After 4 years of the SEC respiration down on Ripple’s neck, the notorious securities case nonetheless awaits a decision.
Because of XRP rallying to new all-time highs, even bigger predictions like “$XRP to $100” or “$XRP to $1,000” have flooded social media platforms over the previous 3 months.
Nonetheless, one distinctive analysis report takes the predictions to new highs, with the analyst forecasting an $18,000 price goal for XRP.
XRP to $18,000?
In June 2023, a month earlier than XRP was declared “not a safety” by Choose Analisa Torres, a valuation white paper named “A Comprehensive Approach To Determine The Fair Market Value Of XRP” was launched.
The white paper was printed by Valhill Capital, the place a number of authors offered 5 valuation fashions to consider XRP’s long-term price, with “XRP Valuation Mannequin #4” taking the candy spot as probably the most best outlook based mostly on token utility and future international adoption.
Using the Discounted Money Circulate (DCF) strategy, the fundamental assumption taken was that Ripple would deal with a big portion of worldwide transactions within the subsequent 10 years, producing charges on the XRP Ledger (XRPL) and presumably tokenizing a considerable portion of worldwide wealth, whereas changing conventional remittance programs likes SWIFT. The valuation evaluation was carried out based mostly on the next knowledge:
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Base World Transaction Quantity: $104 Trillion
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Financial Development Price (Over 10 years, 2023-2032): 2%
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Utilized Low cost Price: 10%
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Whole Transaction Current Worth: $915 Trillion
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XRP Circulating Provide: $50.7 billion
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Price per XRP: $18,036
In an ideal world for Ripple Labs and XRP, the place the XRP ledger turns into the bedrock of the worldwide monetary remittance system, the XRP military would have the wealth to go to battle with any unbiased nation (pun meant).
Jokes apart, taking the mannequin at face worth in 2025, Cointelegraph analyzed if the anticipated adoption price is progressing as predicted.
Truth-checking XRP rumors and actuality
As of Feb. 28, 2025, there is no such thing as a official affirmation from any authoritative supply that XRP has been absolutely included by a US financial institution for cross-border funds or inner transactions.
RippleNet, Ripple’s international funds community, has been linked with a number of US banks resembling JPMorgan Chase, Wells Fargo, Financial institution of America and Citigroup however formally, solely PNC Financial institution and Financial institution of America have definitive evidence-based partnerships.
Will XRP be built-in into the US banking system? Supply: WallStreetBulls
Relating to Financial institution of America (BofA), one clip that went viral on X contains Sound Planning Group CEO David Stryzewski stating that the monetary establishment has been using RippleNet and XRP for “100% of its inner transactions” for 2 years. Nonetheless, the inconsistency in knowledge is bluntly evident. The typical each day inner transactions carried out by a monetary establishment of BofA dimension is round 1.2 to 1.5 million.
XRP ledger funds statistics. Supply: xrpscan
XRPL has not managed transactional operations of that dimension for any two years since 2018. Stryzewkski additionally talked about that XRP was the second largest crypto asset earlier than the SEC filed its securities case in opposition to Ripple on Dec. 22, 2020. The final time XRP was above Ethereum based mostly on market capitalization was in January 2019, virtually two years earlier than the SEC knocked on the door.
One other incident that caps off the speculatory nature of XRP developments stems at Wells Fargo’s expense. In August 2024, Wells Fargo allegedly authorised utilizing XRP for settling bank card and mortgage funds, which Rick Lange, an authorized monetary planner, extensively spoke about on LinkedIn. Nonetheless, Vittorio DiBenedetto, a Wells Fargo worker, left a remark in January 2025, stating,
“Not true. Why unfold faux information?”
Will XRP and Ripple take over legacy fee programs?
To be honest, XRP price has carried out properly over the previous 12 months and there are causes to be optimistic. Cointelegraph has extensively reported on a number of spot XRP ETFs filed by numerous fund managers in February, indicating potential upside for XRP sooner or later.
Nonetheless, relating to XRP’s adoption and its objective of changing into the money movement worth pipeline of the world, RippleNet and XRP are nowhere shut to the projections made within the white paper. The likelihood of XRP being price $18,036 by 2030 is infinitesimally small.
Related: Why is XRP price down today?
This text doesn’t comprise funding recommendation or suggestions. Each funding and buying and selling transfer includes threat, and readers ought to conduct their very own analysis when making a call.
